New Business Organisation

BNP PARIBAS BNL Grupp BNP PARIBAS Life Insurance penetration ( per capita) Development Plan Life Insurance Share of premium Distribution of 2005 life-insurance products Swiss 3,275 23% UK 3,190 35% 43% 40% Ireland 2,617 Denmark 2,311 6% 8% 19% 45% 96% Belgium | 2,291 France 2,150 51% 52% Holland 1,937 46% 32% Sweden 1,764 4% Italy Norway 1,417 BNL Vita 1,174 Market wo Unicredit Index linked Whole Market Unit linked Cardif Italy Unicredit/ Aviva General account Sources: SIGMA, BNL Vita, Cardif, IAMA, 2004 Revamped BNL Vita offering with optimised life insurance product range unit-linked oriented Enhanced network interactions / sales support Asset Management and Services 93

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